you're right (I'd have to check, and I don't want to tell you the wrong thing).
If you've got business credit (I'm trying really hard not to sound like an infomercial), then you shouldn't need to give a PG. In any event, if you've got collateral - and you'd be surprised what you can use as collateral, including accounts receivables - then you may be able to get a business loan rather than what is essentially a big-time personal loan.
Obviously, I don't know your FICO or PAYDEX scores and I won't ask. But if you've got AR or maybe big company assets (I'm talking trucks or big, immovable machines, not PCs), or a ton of inventory with proof of your sales for the last few months which show that you're bringing in the bucks, then a bank might look favorably upon your loan application. Can't hurt to check with the bank where you've got your business bank account.
I realize that's a lot of qualifiers. Like I said, I'm trying not to sound salesy and I'm also trying to set expectations and not steer you wrong.
But whenever you can get out of giving a PG, do so.